My response would be if you are the position to make a down payment, it is the best thing to do. But technnically, you may qualify for a loan --- as others have commented --- that does not require it.
Good luck and best,
Unwavering Commitment to Service, Unsurpassed Results
On a side note, if you have no money for a down payment and you are able to qualify for a 0% down loan, that doesn't mean your home free. There are other costs associated with a purchase - earnest money, option period fees, appraisals, prepaid insurance, and then all other associated closing costs. You may be able to find a seller that will help with closing costs, but that is seller / home specific. Discuss all of this with your agent also.
Darrell D. Drouillard
Home Team of America
16719 Huebner Rd., Bldg 4
San Antonio, Texas 78248
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